Cigna Rehab and Alcohol Detox Coverage
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Cigna Rehab and Alcohol Detox Coverage

Cigna Rehab and Alcohol Detox Coverage

Cigna does offer its members Rehab and Alcohol Detox Coverage. Members can receive both inpatient and outpatient treatment using their Cigna Alcohol Rehab Coverage benefit; however, it must be deemed medically necessary.

Cigna’s Behavioral Health Website

Cigna has staff professionals dedicated to helping members with issues related to behavioral health. Members can find answers to frequently asked questions (FAQ) and access their mental health and Cigna Alcohol Rehab Coverage benefits by visiting Cigna’s Behavioral Health website.

In-Network Providers

When a member’s Cigna Alcohol Rehab Coverage includes in-network providers, he/she should stay in the network. Members should seek medical services through providers that are members of their network; doing so can save them a substantial amount of money.

Understanding In-Network Providers

In-network providers have reached an allowable amount agreement with Cigna. This allowable amount refers to the amount the provider will charge for each service. The amount agreed upon is usually lower than the charges typically billed by out-of-network providers. If a member chooses to seek treatment from an out-of-network facility or provider, he/she will be responsible for any charges that are beyond the agreed upon price between the in-network providers and Cigna.

Pre-Authorization

A standard office visit with a psychiatrist or therapist in Cigna’s network does not usually require pre-authorization; however, the majority of other mental health services will require the member to receive pre-authorization from Cigna.

For the most part, mental health coverage and Cigna Alcohol Rehab Coverage will differ from a member’s typical medical coverage. Members should review their policy to verify their deductible amount, co pays and/or coinsurance amounts before seeking treatment.

Policy Example

MyCigna Health Flex 5500 – Individual Plan

Deductible – $5,500

Out of Pocket Maximum – $6,350

Office Visits – Primary Care – $30 co pay and Specialist – $60 co pay

Mental Health Coverage

Inpatient and Outpatient Mental Health – Member pays 40 percent of charges for an in-network provider and 50 percent of charges for an out-of-network provider (after deductible is met).

Outpatient Mental Health Office Visit – Member has a $30 co pay for an in-network provider (deductible waived), member pays 50 percent of the charges from an out-of-network provider (after deductible is met).

Keep in mind that with the MyCigna Health Flex 5500 – Individual Plan, when the member visits an out-of-network provider, he/she may also be responsible for 100 percent of the additional charges that are beyond Cigna’s allowable amount.